Apple Pay System. The first and still the only bank supporting Apple Pay became Sberbank. Russia has become a 10 country in which the system is available.
The editorial office has tested the system and figured out how Apple Pay works, how to link the card to it, in which institutions and as you can pay, and also brings a list of Russian applications that support Apple's payment service.
What do you need Apple Pay
Payment System Apple Pay, according to engineers, should replace plastic bank cards. It allows you to use iPhone smartphones and "smart" Apple Watch watches to pay for purchases in stores, cafes and other institutions.
When payments, money is removed immediately with a tied bank card. The company does not take commission for using Apple Pay.
According to the service statistics, about a million new users join every week to Apple Pay. At the same time, in the United States, more than 90% of all contactless payments are performed using Apple Pay.
What bank card must have to pay with Apple Pay
The first Russian partner-partner of Apple Pay became "Sberbank" in conjunction with MasterCard. Therefore, only the owners of credit and debit cards MasterCard released by Sberbank can now take advantage of the payment system.
Apple's vice president of Apple Pay Jennifer Bailey promised that in the near future the list of banks supporting Apple Pay will be expanded. Earlier "Vedomosti" that Raiffeisenbank, Tinkoff Bank, Binbank, Opening, VTB 24 and Yandex.Money, may also become partners in the future.
According to the source site in the financial market, the list of new Apple partners will be announced in November 2016. About this in his Instagram also the founder of Tinkoff Bank Oleg Tinky.
In which establishments can be paid with Apple Pay
Pay using Apple Pay in stores with iPhone SE, iPhone 6 and more new models, as well as with Apple Watch.
On the Apple website it is noted that the payment system works "wherever contactless payments are accepted". We are talking about terminals in stores, cafes and restaurants, on which one of the contactless payment icons is indicated:
Among the Russian retailers, in which similar terminals can be found exactly, - "ABC of taste", "Auchan", "Attacks", "M.Video", "Eldorado", "Magnit", MediaMarkt, Central Committee, BP, Re: Store. The list, according to Apple's site, will be constantly complemented. Apple Pay support was also reported by the editorial site representatives of Dixie networks, Victoria, as well as coffee shops Starbucks.
Through the iOS-application OneWotrip, you can pay for flights from Apple Pay, buying tickets for the train and reservations in the hotel will appear later.
Ticketland users can buy tickets to theater, concert, show, circus using Apple Pay Tickets.
Through the Biglion application, you can pay coupons for discounts.
Apple Pay support is also implemented in the GetT application - users may not tie the card in the service, but simply add payment through the Apple payment system.
How to tie a map to Apple Pay
Binding a bank card to Apple Pay occurs in the Wallet application. The application can automatically bind a map that is used for shopping in iTunes. Or you can scan the card using the camera and add it to Wallet. If the bank supports Apple Pay, the binding of the card will automatically.
The owners of Sberbank cards can tie a map and through the Sberbank online application. To do this, you need to select the "Connect to Apple Pay" item in the list of maps - the card automatically snaps down to Wallet.
How to pay with Apple Pay
In order to make payment at the checkout using the iPhone, you need to click on the "Home" button on the locked phone - the NFC smartphone chip is activated, and the image of the bank card and its last four digits will appear on the screen.
The bank may limit the maximum amount when paying through Apple Pay and further request a PIN.
In order to pay using Apple Watch, you need to press twice on the side button of the clock and bring them closer to the terminal.
To make a purchase in an application or on a website with Apple Pay, you need to bring your finger to the touch ID sensor to confirm the payment.
How safe are payments through Apple Pay
Apple argues that card numbers are not stored on devices or on the company's servers. When making an Apple payment, the card number does not transmit the store, and only sends a special identification code that is encrypted and stored locally on the iPhone.
The company also claims that it does not save data on user payments and does not constitute its payment profile - for example, for advertising targeting.
To confirm the payment in Apple Pay, the Fingerprint Sensor Touch ID is used to confirm the iPhone.
In case of loss of iPhone, iPad or Apple Watch, you can pause the possibility of payment via Apple Pay using the "Find iPhone" function.
What similar solutions is for Android in Russia
On September 29, Samsung's mobile payment system for the Russian market is its mobile payment system. Samsung Pay is supported in Samsung Galaxy S7 EDGE smartphones, Galaxy S6 Edge +, Galaxy Note5, Galaxy A5 and A7 2016 release.
Now the Korean manufacturer's system can be tied MasterCard MasterCard, "VTB 24", MTS, Raiffeisenbank, "Russian Standard" and Yandex.Money.
However, the interlocutors of the Vedomosti argue that the system is not popular with users - on the first day with the help of Samsung Pay, several dozen transactions were made by its clients.
Apple Pay is a universal non-contact payment system, which was developed by Apple in 2014. The advantage of this development is that it is compatible today with many contactless readers, such as Mastercard Paypass or Visa Paywave. This mobile payment system is supported by a number of devices from the Kupertinov company, but we will only select the iPhone models on which this system can function.
In smartphones that support the money transfer tool, a special NFC chip is embedded, which allows you to exchange data at a short distance. Such a chip was not installed in earlier flagships, so the problem arises in the use of a mobile transaction system on some devices of an apple company. Consider what iPhones to date contactless payments are maintained:
- iPhone 6/6 Plus;
- iPhone 6S / 6S Plus;
- iPhone 7/7 plus;
- iPhone SE.
The disappointment of many users, revolutionary iPhone 5, 5C and 5S do not support Apple Pay. The only possible solution for the flagship owners of the fifth model is to use the development of the Kupertinov company using the smart clock Apple Watch. To do this, it is enough to synchronize the iPhone 5 with smart clock.
How to connect Apple Pay Sberbank on iPhone
In order to connect the system of contactless payments, you need to install the Wallet application on your phone, having authorized using your personal Apple ID. After successful login, you can add a payment card. By choosing the appropriate function, the user will be asked to photograph its personal bank card. You can refuse this method by entering all data manually.
Next will need to confirm the information entered by entering the code that Sberbank will send to the user number. If the screen appeared on the screen as "the map is activated. MasterCard Standard is ready for Apple Pay, you can start successfully using contactless payment system.
Contactless transactions for Sberbank customers
For Sberbank's customers, connecting the function of contactless payments is much easier and faster. All that is required is to start the Wallet application and select the appropriate bank card that will automatically be in the wallet collection.
Holders of synchronized smart clocks immediately after activating the map on the iPhone will receive a notification that will offer to add this card to the device. The program will suggest to come up with a small password, after which the user in the Wallet application will be able to add a map after completing the necessary information. The only thing that needs to be done is to confirm the identity again by entering the SMS from Sberbank.
The iPhone has built-in support not only Sberbank, but also such popular financial institutions as VTB 24 and Alpha Bank. The setting is done in the same way as in the case of Sberbank.
Using the system
Consider what methods there are ways to use an application for mobile payments. After activating the map, you can safely begin to use this system, paying for purchases in supermarkets and stores. To do this, it is enough to bring your iPhone to the terminal without opening the Wallet application. The phone automatically recognizes the payment device and suggest making a fingerprint scanner. After the user comes with his finger to the Touch ID, money will be removed from the bank card for the appropriate purchase.
It is worth remembering that the scope of using the development of an apple company is quite wide. The tool was designed for users in order to facilitate any activity related to transactional payments. Anyone can make purchases in the online store in one click, as well as use various supplement services at a special application store. Now it is enough to pay for any service by touching your finger to the Touch ID.
Mobile transactions - a unique development that can significantly facilitate the life of any person, allowing him to make any purchases and payment in a matter of seconds, without without worrying about security.
This is a joint initiative of Sberbank and MasterCard, the service holders of this payment system can take advantage of the service.
To configure Apple Pay in Russia, the iPhone owners need to add their credit or debit card into the Wallet application. On any device you can use up to eight cards. You can calculate using Apple Pay in stores with iPhone SE, iPhone 6 and more new models, as well as with Apple Watch.
Before setting up Apple Pay, make sure that your device and bank card support the service. At the time of starting service in Russia, the Apple payment system only works with Sberbank and only with MasterCard maps.
How to configure Apple Pay in Russia:
Step 1: On your iPhone, go to the Wallet program.
Step 2.: Click the "Add payment card" button.
Step 3.: Perform actions to add a new card. Specify the details of the maps manually or with the camera.
Step 4.: Enter your name and additional information (security code, duration) of your card.
Step 5.: Confirm the correctness of data entry using SMS.
It's all! Now you can use the iPhone to pay purchases in stores. The first to support Apple Pay.
How to configure Apple Pay on Apple Watch
Step 1: Open the Watch application on the iPhone, and then go to the My Watch tab. If you have a few hours, select some of them.
Step 2.: Click "Wallet and Apple Pay".
Step 3.: Perform the following steps to add a map. If the map data is already stored on your iPhone device, click "Add" next to the card. To add a new map, click "Add MasterCard". When you appear to add a map, simply enter the security code.
Step 4.: Enter the security code, click "Next" and wait for SMS with the verification code.
After that, your bank card will be connected to Apple Pay on Apple Watch. You can pay for purchases with the help of "smart" hours.
Leave the wallet at home. Now you can use your phone instead of a bank card. This became possible thanks to the Apple Pay payment system.
Since 2014, Apple Pay conquers the country behind the country. Now payment with Apple Pay is possible in Canada, the United States of America, Great Britain, France, Spain, Russia, China, Japan, Hong Kong, Switzerland, New Zealand, Singapore and Australia.
How Apple Pay
Apple Pay works through a special NFC chip that is installed on all new iPhone and iPad models and in the Apple Watch series.
NFC (NEAR Field Communication) is a wireless technology with a small radius of action, which allows two devices (for example, telephone and terminal in the store) to share payment information quickly and conveniently in close proximity.
You just take your iPhone to the terminal at the store checkout or in a restaurant, holding your finger on the touch ID ID.
What devices support Apple Pay
You can pay for purchases in stores using:
- iPhone 6 / 6S, 6 / 6s Plus
- iPhone SE
- iPhone 7, 7 Plus
- Apple Watch (1st generation)
- Apple Watch Series 1 and 2
Pay for purchases in applications and the Internet:
- iPhone 6 / 6S, 6 / 6s Plus
- iPhone SE
- iPhone 7, 7 Plus
- Apple Watch (1st generation)
- Apple Watch Series 1 and 2
- iPad Pro (9.7 and 12.9 inches)
- iPad Air 2.
- iPad mini 3 and 4
In addition, you can now pay for purchases and using MacBook Pro with a touch ID sensor, but you can do this only in the Safari browser. And in a pair with an Apple clock or an iPhone, you can pay for the purchase on the Internet from the Mac computer, but if only your computer model is older than 2012.
What banks work with Apple Pay in Russia
- Alfa Bank
- Raiffeisenbran
- Tinkoff Bank
- MTS Bank
- Rocket Bank
MasterCard cards only:
- St. Petersburg
- Sberbank
- VTB 24
- Binbank
- Russian standard
- Opening
- Point
- Yandex money
The list of banks is expanding all the time and updated.
Apple Pay Sberbank Visa When will earn? Promised in December. But all the negotiations go and dates are constantly postponed. We wait!
How to use Apple Pay:
How to connect Apple Pay and how to configure Apple Pay
No further install and configure. If, of course, your device supports EPL Pei. Just go to the Wallet app and add payment cards to it. Most of us are concerned about how to connect Apple Pay Sberbank, because Sberbank's cards are most popular in Russia. You will not have to go to the bank, just add a Sberbank card to the app.
How to add a map
Add a map to the iPhone:
- Open your smartphone application Wallet
- After confirming the bank, click "Next"
Ready!
Add a map to iPad:
- Open "Settings"
- Choose the "Wallet and Apple Pay" section
- Press "add payment card"
- If you have already paid this card to iTunes, you just need to confirm the information about the map using the security code
- If there is no information about the map in iTunes, you can enter them into manual or remove them.
- Press "Next". The bank will check the card data and can request additional information to confirm.
Ready!
Add a map on Apple Watch:
- Open the Watch program on the iPhone
- Click "Wallet and Apple Pay"
- If the data on the map is already stored on your iPhone, click "Add" next to the card
- If you need to add a map that is not yet stored on the iPhone, click "Add payment card"
- If you have already paid this card to iTunes, you just need to confirm the card information using the security code.
- If there is no information about the map in iTunes, you can enter them into manual or on camera
- Press "Next". The bank will check the card data and can request additional information to confirm.
- After confirming the bank, click "Next"
Ready!
Adding a map to a Mac computer:
- Open the "System Settings" menu
- Select the menu section "Wallet and Apple Pay"
- Press "Add Map"
- If you have already paid this card to iTunes, you need to confirm the map information. Just enter the security code.
- If there is no information about the map in iTunes, you can enter them into manual or remove on the phone camera
- Press "Next". The bank will check the card data and can request additional information to confirm.
- After confirming the bank, click "Next"
Ready!
Can I use multiple cards?
You can add up to 8 cards to the device.
Where can I pay Apple Pay
Epl Pei works anywhere where contactless payments take. To understand this, look at the checkout or next to the terminal, the symbol of receiving such payments.
You can also make purchases in applications and through the Safari browser on the Internet.
How to pay apple pay
In the shop:
When you calculate the purchase in the store just bring your phone to the terminal at the checkout, and put your finger on the touch ID. You do not need to open the application or unlock the screen, you may not even look at the phone while payment, that payment is successful you will learn from the signal and thin vibration of your iPhone
In order to make a purchase in the store using Apple Watch, you need to click on the side button twice and hold your watch next to the contactless reader. The delicate pulse and the signal will confirm the success of the payment.
In the application:
For a transaction in the application you need to select the option of payment "Apple Pay" or "Buy with Apple PAU". After selecting the payment, place your finger on the touch ID sensor. After successful payment, you will see the inscription "Ready" on the screen.
How to make a refund
Return through Apple Pay is not much different from returning through the map.
Cashier may need your account number. You can find this number by selecting a map in the "Wallet and Apple Pay" window and clicking on the "I" sign
To process a return, do not forget to select the card on the device with which they did the purchase. Approx the device to the payment terminal and confirm the return using the Touch ID or enter the password.
Money on the card may not return immediately, but within a few days, it depends on the bank's return policy.
Is it safe to pay with Apple Pay
Do not worry about the security of your payments. After all, paying purchases through Apple Pay is even safer than a regular map. Apple Pay does not use your card number. Instead, the system assigns a unique encrypted number, which is stored on a special chip on your device. Access to this chip is possible only during a transaction.
The data on the chip is not related to other software of your gadget, even if someone hacks your operating system, there is no opportunity to extract financial information from it. Thus, during payment, your card data is hidden from the seller and from the surrounding people.
Additional safety is provided with fingerprint to confirm the payment.
What to do if the card is lost or stolen
If your card is lost or stolen, you should immediately report this to the bank and block the map. After that, your card will be deactivated on all devices. When you get a new card, add it to the application again.
What if the device is lost or stolen
If your phone is lost or will be stolen, you can block Apple Pay remotely. Go to "Find iPhone" on another device or in the browser and turn on the "Disposable Mode". Apple Pay will be stopped, your phone is blocked, and your data will remain safe.
As you can see, use Apple Pay simply. The main thing that pays through the phone, do not forget about and not to spend more than planned.
We cannot disclose the details and show screenshots. But we will help prepare for the start of the service. He is already tomorrow.
Tell how to include Apple Pay, how to set up in Russia and how to use in stores. Go!
What is needed to use Apple Pay in Russia
To begin with, one of these compatible devices:
- iPhone 6 and 6 Plus
- iPhone 6S and 6S Plus
- iPhone 7/7 Plus
- Apple Watch.
- iPhone SE
If your device is not in the list, you will not be able to pay with it in offline - shops and restaurants. Payment on websites through Apple Pay in Russia is not yet running. In the future, it will earn both the above devices and on the iPad with the touch ID sensor.
Important: Turn on the authorization on touch ID or check it to be enabled. To do this go to Settings -> Touch ID and Password Code. If all the switches are turned off, click on any and carry out the primary setting of the print recognition system.
What bank card is suitable for Apple Pay
Attention. So far - only a map Mastercard from Sberbank. Map type, service scheme and tariff - any.
Visa cards from Sberbank and all maps of other banks are not supported (as of October 4). The situation will be better every month - we promise to add support for more than five banks. One way or another, in the foreseeable future, only MasterCard will work with Apple Pay. Have this in mind.
If you have and configured all the above, we go further.
1. How to enable Apple Pay
Apple Pay is activated automatically on all compatible devices. You do not need to update the firmware or restart the phone - everything will start working as soon as the launch is officially announced.
How to verify that Apple Pay is exactly enabled: Open the built-in application Wallet. If there is a block with Apple Pay, as in the screenshot above, everything works. In other cases, reboot your smartphone should help.
2. How to add cards and configure Apple Pay
1.
Open the Wallet application on the iPhone.
2.
Click "Add payment card".
3.
Take a picture of the card or enter its data manually.
4.
The system will approve your card.
If the system writes "The Issuer of Your Map does not provide support for this card", your bank or map is not supported by Apple Pay in Russia. Either the card is not enough (less than 1 ruble).
3. How to use Apple Pay
Apple Pay works with all terminals in Russia, which support contactless payment methods: PayPass, PayWave, as well as NFC. You can find out these terminals on the icon of any of the listed services.
1.
Put your finger on the Touch ID sensor and bring the iPhone to the terminal.
2.
The system will automatically hide the payment if you do not release the finger.
In some cases, it will be necessary to sign on the phone display or enter the PIN card. For example, such data may be requested when purchasing a purchase of more than 1000 rubles.
4. Does the bank take a commission for using Apple Pay in Russia?
Not. The amount of payment remains the same. Neither the bank nor the store nor Apple will remove more money with you than voiced by the store or indicated on the check.
5. Is it safe to pay via Apple Pay?
Yes. FirstlyYou do not shine the map. Learn its number, CVV code and other parameters are not possible. On the iPhone at the time of payment, only the map icon is displayed.
SecondlyPayment is carried out using an encrypted key that cannot be intercepted. The seller will not be able to rewrite the data cards.
ThirdlyAll purchases via Apple Pay authorized exclusively through the Touch ID sensor. Need a fingerprint. If your phone is stolen, you will not be able to spend money from any of the tied cards.
To date, payment through Apple Pay is most secure as possible. Not a single case of theft of money or fraud through the service is not fixed to this day.
6. How to configure Apple Pay on Apple Watch?
The main advantage of Apple Watch: you no need iPhoneTo make payments through Apple Pay. You can leave the smartphone at home and pay for hours.
To make Apple Pay on Apple Watch, you need to turn on the clock request 4-digit lock password. Discover on the clock Settings -> The code And enter the desired numeric password if you did not make it earlier.
Next, add a bank card in the application Watch. (menu Apple Pay.). This is necessary: \u200b\u200bApple considers the clock with a separate device, which is issued unique encryption keys for your cards.
7. How to pay through Apple Pay with Apple Watch?
Double-click on the rectangular button on the Apple Watch. In the menu that opens, select the desired card from the added. Then bring the display of the clock to the terminal.
If everything goes as it should, the clock is lying. Probably payments more than 1000 rubles will be needed to confirm the entry of the PIN code or painting on the screen of the clock.
Even if the attackers will steal your Apple Watch, they will not be able to buy anything without a 4-digit password installed on the clock.
P.S.: This article will be complemented as new data and official launch of Apple Pay in Russia appears. Save it to your favorites to quickly solve problems if necessary.
